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Job Summary
The Credit Management function facilitates profitable growth, regardless of industry or credit product, by approving profitable applicants and ensuring they have the appropriate available credit while adhering to contractual guidelines and operating within established risk appetite tolerance levels. The Lead Credit Management Analyst is responsible for independently completing the required analyses and developing new strategies for significant clients. Additionally, this role is responsible for helping develop the technical and analytical skills of other risk analysts.
Essential Job Functions
- Portfolio Management: Independently reviews trended key brand or product credit metrics to identify changes in performance and determine the cause and effect of those changes. Publishes the results of the review in a document that is used by bank leadership to ensure performance is as intended. Reviews significant performance changes with leadership to determine if strategy changes are required. Proactively identifies strategy optimization opportunities to drive profitable sales and/or reduce credit losses. Champions new strategies and best practices to be used across Credit Management.
- Data Analysis: Creates and evaluates new account application Underwriting standards for clients or products with minimal guidance from Credit Management leader. Analyzes performance of past accounts and recommends changes to Underwriting and Credit Limit assignment parameters. Creates tests and analyzes new credit limit strategies for clients or products to increase sales and profitability for existing accountholders. Creates and analyzes reporting of key credit risk metrics necessary to understand changes in portfolio risk mix and/or trends in customer behavior. Utilizes analytical skills, technical skills, and data analysis tools such as SQL/ SAS, Python, R, and Microsoft Office (Word, Excel, PowerPoint, and Teams), APT, decision trees, and data visualization tools to complete daily work.
- Project/Business Support: Leads or participates in projects and completes ad hoc analyses to target specific business needs.
- Leadership: Mentors and trains Analysts and Sr. Analysts on Credit Management principals and activities. Introduces and shares best practices within the department.
- Business Partnerships and Communication: Effectively researches and resolves ad-hoc requests from internal partners and communicates results with minimal guidance from leadership. Participates in strategic projects and delivers presentations to credit risk (leadership and peers), profitability, and client partnership teams.
Demonstrates outstanding Verbal and Written Communication skills when working with internal and external partners at all levels. Uses communication and presentation skills to influence and drive sound business decisions.
Reports To
- Manger or above, Credit Management
Working Conditions/ Physical Requirements
- Normal office environment, some travel may be required.
Direct Reports: 0-2
Minimum Qualifications
- Degree required: Bachelor's Degree
- Area of Study: Finance, Business, Economics, Statistics, Mathematics, or other quantitative field
- Years of Work Experience Required: 4+
- Type/focus of work experience required: Complex analytical experience focusing on credit cards or other types of unsecured consumer lending, presentation experience to senior leaders.
Preferred Experience
- Degree Preferred: Master's Degree
- Area of Study: Finance, Business, Economics, Statistics, Mathematics, or other quantitative field
- Years of Work Experience Preferred: 5+
- Type/focus of work experience preferred: SAS/SQL proficiency; experience using decision trees, APT, and data visualization software; credit card experience; other consumer lending; training and mentoring of others
Other Duties
This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.
About Bread Financial
At Bread Financial, you'll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We've been consistently recognized as a best place to work nationally and in many markets and we're proud to promote an environment where you feel appreciated, accepted, valued, and fulfilledboth personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.
Bread Financial (NYSE: BFH) is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread Cashback American Express Credit Card, Bread Rewards American Express Credit Card and Bread Savings products.
Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit breadfinancial.com or follow us on Facebook, LinkedIn, X and Instagram.
- All job offers are contingent upon successful completion of credit and background checks.
- Bread Financial is an Equal Opportunity Employer.
Job Family
Credit Operations
Job Type
Regular
